Insights into attitudes towards financial innovations by its users

Garškaitė-Milvydienė, Kristina; Maknickienė, Nijolė; Tvaronavičienė, Manuela

doi:10.17512/pjms.2023.27.2.07

Artykuł - szczegóły

Tytuł artykułu

Insights into attitudes towards financial innovations by its users

Autorzy

Garškaitė-Milvydienė Kristina , Maknickienė Nijolė , Tvaronavičienė Manuela

Treść / Zawartość

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Identyfikatory

DOI

10.17512/pjms.2023.27.2.07

Warianty tytułu

Wgląd w postawy użytkowników wobec innowacyjności finansowych

Języki publikacji

Abstrakty

Significant technological advances have determined the importance of FinTech firms worldwide; they attract substantial investment and put competitive pressure on banks providing traditional services. The development of financial innovations challenges users accustomed to classical financial solutions since trust in financial technologies requires risk assessment, which becomes increasingly complicated. The main participants shaping the attitude towards FinTech are investors, customers, regulators, technology developers, and risk managers. The paper aims to explore FinTech opportunities and challenges, as the public understands them. The authors used scientific sources and employed big data processing methods to evaluate social media users' attitudes towards the FinTech sector. The obtained results revealed that, despite of overall positive attitude, FinTech companies have to pay special attention to investment management and ensuring the security and privacy of clients’ data.

Znaczące postępy technologiczne zdeterminowały znaczenie firm FinTech na całym świecie; przyciągają znaczne inwestycje i wywierają presję konkurencyjną na banki świadczące tradycyjne usługi. Rozwój innowacji finansowych stanowi wyzwanie dla użytkowników przyzwyczajonych do klasycznych rozwiązań finansowych, ponieważ zaufanie do technologii finansowych wymaga oceny ryzyka, która staje się coraz bardziej skomplikowana. Głównymi uczestnikami kształtującymi podejście do FinTech są inwestorzy, klienci, organy regulacyjne, twórcy technologii i menedżerowie ryzyka. Artykuł ma na celu zbadanie możliwości i wyzwań FinTech, tak jak rozumie je opinia publiczna. Autorzy wykorzystali źródła naukowe i zastosowali metody przetwarzania dużych zbiorów danych, aby ocenić nastawienie użytkowników mediów społecznościowych do sektora FinTech. Uzyskane wyniki pokazały, że pomimo ogólnie pozytywnego nastawienia, firmy FinTech muszą zwracać szczególną uwagę na zarządzanie inwestycjami oraz zapewnienie bezpieczeństwa i prywatności danych klientów.

Słowa kluczowe

financial technology FinTech investment risks regulation consumer public opinion Twitter text analysis sentiment analysis

technologia finansowa FinTech inwestycja ryzyko rozporządzenie konsument opinia publiczna Twitter analiza tekstu analiza nastrojów

Wydawca

Czestochowa University of Technology

Czasopismo

Polish Journal of Management Studies

Rocznik

2023

Tom

Vol. 27, No. 2

Strony

106--119

Opis fizyczny

Bibliogr. 42 poz., rys., tab.

Twórcy

autor

Garškaitė-Milvydienė Kristina

kristina.garskaite-milvydiene@vilniustech.lt

Department of Financial Engineering, Faculty of Business and Management, Vilnius Gediminas Technical University, Vilnius, Lithuania

https://orcid.org/0000-0002-2669-7630

autor

Maknickienė Nijolė

nijole.maknickiene@vilniustech.lt

Department of Financial Engineering, Faculty of Business and Management, Vilnius Gediminas Technical University, Vilnius, Lithuania

https://orcid.org/0000-0003-2785-5183

autor

Tvaronavičienė Manuela

manuela.tvaronaviciene@vilniustech.lt

Department of Business Technologies and Business Entrepreneurship, Vilnius Gediminas Technical University, Vilnius, Lithuania
General Jonas Zemaitis Military, Vilnius, Lithuania

https://orcid.org/0000-0002-9667-3730

Bibliografia

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Uwagi

Opracowanie rekordu ze środków MEiN, umowa nr SONP/SP/546092/2022 w ramach programu "Społeczna odpowiedzialność nauki" - moduł: Popularyzacja nauki i promocja sportu (2022-2023).

Typ dokumentu

Bibliografia

Identyfikator YADDA

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